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Home Insurance

While some home insurance is better than no home insurance at all, many people do not realize that there are limitations with a standard home insurance policy.


What would happen if your home was damaged by fire, flood, theft or some other unforeseen event? Could you afford to rebuild or replace all your personal belongings? Has the value of your coverage kept up with the value of your home and possessions?

For most families, homeowners insurance is not something that you think about…until you need it. Then it becomes critically important. The right homeowners policy can cover both damage to your property and liability for any injuries you or members of your household cause to other people.

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If you own a condominium, your condominium association's policy covers property common to all owners but it doesn't cover, the interior of your condo, your possessions and valuables or personal liability.

You need condominium insurance to help protect you from the unexpected: Fire and lightning, smoke damage, theft, vandalism and mischief, accidental overflow from plumbing and accidental electrical damage to appliances.

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If you rent, you still face some of the same risks as homeowners in cases of disasters striking your residence – fire, theft, personal liability. Your landlord may have insurance, but this doesn't cover you or your possessions inside your residence. Renters insurance can help protect your belongings in case of unfortunate events such as, fire or lightning, windstorm or hail, smoke damage, vandalism and theft.

It can also help protect you in cases of personal liability – such as someone becoming injured in your residence, or if you cause damage to someone else's property.

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Umbrella insurance is not just for the wealthy. These days, it's needed protection for many policyholders. Umbrella insurance is a policy that substantially extends your protection above and beyond the limits of your homeowner's, auto, and watercraft personal insurance policies to protect your financial assets in the event of a lawsuit resulting from a liability claim. The standard umbrella policy is issued with a limit of $1,000,000, but higher limits are available.

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